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    Here are seven mythical monsters that need slaying: Your credit report is just a file that contains a list of your past and present accounts, along with a record of how you've managed them.That's mostly based on lenders reporting to credit bureaus on amounts you owe and payments you make.If you thought ancient Greece was the home of myths, you should check out modern America.Certainly when it comes to credit scores, many of us believe stories that would make Homer blush.has not reviewed all available credit card offers in the marketplace.When you apply for a credit card, the bank wants to see your credit history and be sure you're a good risk - so what if you have limited or no credit history?It's entirely based on information contained in your report (your age, ethnicity, salary, assets and place of residence don't come into it), and is calculated by computers using highly sophisticated algorithms.

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